We have a variety of premium loan products, allowing us to offer the most competitive finance rates to our clients. Be it a loan for an apartment, a hotel acquisition, all construction financing and refinancing. We also offer hard money loans for any worthwhile purpose.

Our financing specialists have the years of experience that it takes to understand exactly what the client expects in handling the financial well-being of their considerable investment.

The cost and availability of capital can have an enormous effect on the industry, with far reaching implications for property liquidity, values and new supply. Evident by current market movement.

Interest rate spreads have contracted to the narrowest margins in recent history, which means existing properties can be leverage up to 90% or 100%, in some cases, of a property’s value. ACF can provide the best possible financing for properties worldwide.

Yet the time will come when permanent financing must be put in place- even if you replace current financing with another bridge loan, underwriting rules remain relatively constant.

Commercial, Multi-family and Residential non-owner-occupied        Loan range: $150K — $200M. Fixed rates on loans are also available as

Interest rate: Fixed or adjustable

Debt coverage ratios: Start at 1.10:1 and up if rented. Subject to credit grade where applicable, loan type, physical condition, age, location and competitiveness of market position.

Up to 95% CLTV for acquisition and up to 75% for refinance. Real estate quality and amenities will be considered in the assessment of the LTC. 95% CLTC and up to 100% Rehab cost.

Loan to Value (LTV)

Collective Loan to Value (CLTV)

Collective Loan to Cost (CLTC)

Proposed & completion of Construction Financing

• Loan to Cost (LTC): Up to 100%
• Loan to completed value (LTV): 75%
• Term: Up to 18 months with option to extend
• Loan range: $150K — $200M
• Points: From 3.5%
• Higher debt to equity construction loans available at: Low-Cost JV Capital

Real Estate Acquisition Loans

An acquisition loan is used to acquire commercial property using the loan proceeds. This can include improved lots to already constructed and operating property.

• Loan size: $200K —$750M
• Amortization: 10 — 30-year schedules in some areas
• Variable and fixed interest rates available
• Purchases up to 80% of purchase price.
• Loan to value: 75% on most products
• Debt service coverage: apartments (multifamily) from 1.15. Commercial – 1.25
• Assumable for most scenarios
• Estimate closing time: From 45 — 60 days from the receipt of the complete package and supporting documents.
• If purchase includes a business, LTC/LTV could go as high as 85% or 90% with small seller carry back. Up to 100% where cost or start up exceed $5M.

Acquisition and Development

Loans to both acquire and develop real property to improved state. Voucher control is set up to disperse loan proceeds with interest only paid on the funds distributed.

• We can typically go to 65-80% loan to cost or 80% loan to value, whichever is less.
• We can typically provide a 2-3 year loan term for the construction, a 3 year mini-perm loan to stabilize the projects and permanent financing at the end.
• The permanent financing will vary by property type but usually we can provide up to 30 year amortization and 10 year fixed rate financing that is a margin range of 2% to 3.5% over the 10 year Treasury.

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